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Routing # 211885946

Checking

 

 

Checking made easy!

Pioneer Valley Credit Union offers many Checking Account Options for members to choose a checking account that's right for them.

  • Free Checking Account Option
  • ATM Fee Rebates
  • 24/7 Digital Banking
  • Get Paid a Day Early with Direct Deposit
  • Touchless Payment

GET STARTED Reorder Checks

 

Cash Back Rewards Checking

We pay you a .10₵ cash reward on each PIN/Signature Debit Card transaction in the amount of $10.00 or more. 

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Investor Rewards Checking

Get more out of your checking!


 

Business Checking Accounts

Free, simple and convenient.

Your Complete Business Checking Package Includes:

  • No Monthly Service Fees
  • No Minimum Balance Requirements
  • No Transaction or Check Processing Fees 
  • Free First Order of Checks

Speak to a representative today about opening a Business Checking Account with Pioneer Valley Credit Union, today!

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Merit Privilege Pay

Merit Privilege Pay gives you peace of mind.

Merit Privilege Pay Overview:

  • Covers ATM Withdrawals and Debit/Check Card Transactions
  • Up to $1,000 of Coverage
  • $29 Fee is Charged for Each Overdraft*
  • Members must Opt In to receive coverage on ATM and Debit Card Transactions

If you do not Opt-In to receive Merit Privilege Pay we will not be able to cover mishaps which may occur at the store, gas station, ATM or anywhere else you may swipe your MasterCard Debit Card.

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*You will be charged our normal insufficient fund fee of $29 for each item that is presented, and you must bring your account to a positive balance within 45 days. Merit Privilege Pay will be deactivated for overdrawn balances and the time period by which the member must repay or cover any overdraft is 45 consecutive days unpaid. We will not pay overdrafts on your ATM and everyday debit card transactions unless you ask us. If you do not ask us, the transaction will not be paid. Categories of transactions for which a fee for paying an overdraft may be imposed include ATM withdrawals and debit/check transactions up to $1,000.

Your Merit Privilege Pay may be suspended or permanently removed based on the following criteria: You do not bring your account to a positive balance within 45 days of becoming overdrawn. You have an account that has been opened less than 90 days. Your account type is not eligible. You are more than 30 days past due on any Credit Union loan or delinquent on any other obligation to the Credit Union. You are subject to any legal or administrative orders, levy, or are currently a party in a bankruptcy proceeding. You have had an Overdraft Repayment Plan. Your account is being reviewed for fraudulent activity or transactions. The primary account owner is less than 18 years old. A ChexSystems or any other negative indicator has been reported to us. Your account is classified as inactive. You have an unresolved prior loss with the Credit Union. We do not have a valid address for you. Your account is not a fiduciary account.


 

Overdraft Protection Options

Don’t worry, we’ve got you covered.

Pioneer Valley Credit Union offers many Overdraft Protection Options for our members for those unexpected moments.

  • Merit Privilege Pay*
  • Overdraft Line of Credit
  • Automatic Transfer
  • Loan Programs

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*You will be charged our normal insufficient fund fee of $29 for each item that is presented, and you must bring your account to a positive balance within 45 days.

Your Merit Privilege Pay may be suspended or permanently removed based on the following criteria: You do not bring your account to a positive balance within 45 days of becoming overdrawn. You have an account that has been opened less than 90 days. Your account type is not eligible. You are more than 30 days past due on any Credit Union loan or delinquent on any other obligation to the Credit Union. You are subject to any legal or administrative orders, levy, or are currently a party in a bankruptcy proceeding. You have had an Overdraft Repayment Plan. Your account is being reviewed for fraudulent activity or transactions. The primary account owner is less than 18 years old. A ChexSystems or any other negative indicator has been reported to us. Your account is classified as inactive. You have an unresolved prior loss with the Credit Union. We do not have a valid address for you. Your account is not a fiduciary account.